SIREN : 793869785
SPA FINANCIERE is a French company founded 12 years ago, specialized in the sector Activités des sièges sociaux. Based in MINZIER (74270), this company of category PME shows in 2025 a revenue of 90 k€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.
Data updated on 2026-04-18
Sources : INPI & INSEE SIRENE - Processing : Ministry of Economy
| Indicator | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 90 000 € | 92 500 € | 84 000 € | 77 000 € | 73 000 € | 28 000 € | N/C | N/C | N/C | N/C |
| Net income | 3 991 € | 23 097 € | 35 197 € | 85 839 € | 36 054 € | -407 859 € | -5 497 € | 7 754 € | -5 948 € | 372 153 € |
| EBITDA | -48 173 € | -33 505 € | -30 859 € | -19 655 € | 51 294 € | -16 771 € | -4 230 € | -11 258 € | -12 540 € | -11 965 € |
| Net margin | 4.4% | 25.0% | 41.9% | 111.5% | 49.4% | -1456.6% | N/C | N/C | N/C | N/C |
In 2025, SPA FINANCIERE achieves revenue of 90 k€. Over the period 2020-2025, the company shows strong growth with a CAGR (compound annual growth rate) of +26.3%. Slight decline of -3% vs 2024. After deducting consumption (0 €), gross margin stands at 90 k€, i.e. a rate of 100%. This ratio measures the ability to generate value from commercial activity. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches -48 k€, representing -53.5% of revenue. Warning negative scissor effect: despite revenue change (-3%), EBITDA varies by -44%, reducing margin by 17.3 pts. This reflects costs rising faster than revenue. Negative EBITDA means operations do not cover current expenses: concerning situation. Ultimately, net income (= EBIT +/- financial result +/- exceptional - corporate tax) amounts to 4 k€, i.e. 4.4% of revenue. This profit can be retained or distributed to shareholders.
90 000 €
90 000 €
-48 173 €
-54 853 €
3 991 €
-53.5%
The debt ratio (= Financial debt / Equity x 100) stands at 20%. This very low level reflects a solid financial structure, offering significant room for future investments or acquisitions. Financial autonomy (= Equity / Total assets x 100) reaches 79%. This high autonomy means the company finances most of its assets through equity, a sign of strength. Debt repayment capacity (= Financial debt / Cash flow) indicates it would take 9.3 years of cash flow to repay all financial debt. Beyond 7 years, banks generally consider credit risk as high. Cash flow represents 11.9% of revenue. Cash flow measures resources generated by operations, available for investment and debt repayment. This high level provides strong self-financing capacity.
20.159%
79.076%
11.858%
9.314
In 2025, the debt ratio of SPA FINANCIERE (20.16) ranks above the median of the sector. This ratio measures the weight of debt relative to equity. A reduction effort could improve financial strength.
In 2025, the financial autonomy of SPA FINANCIERE (79.1%) ranks above the median of the sector. This ratio represents the share of equity in total financing. This comfortable position offers an appreciable safety margin.
In 2025, the repayment capacity of SPA FINANCIERE (9.31) ranks above the median of the sector. This ratio indicates the number of years needed to repay debt with cash flow. A reduction effort could improve financial strength.
The liquidity ratio (= Current assets / Current liabilities) stands at 182.31. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.
182.313
-2.4
In 2025, the liquidity ratio of SPA FINANCIERE (182.31) ranks below the median of the sector. This ratio measures the ability to cover short-term debt with current assets. An improvement would strengthen the competitive position.
In 2025, the interest coverage of SPA FINANCIERE (-2.4x) ranks below the median of the sector. This ratio indicates how many times operating income covers interest expenses. An improvement would strengthen the competitive position.
Working capital requirement (WCR) measures the cash timing gap between customer collections and supplier/inventory payments. Average customer payment term: 30 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 109 days. Excellent situation: suppliers finance 79 days of the operating cycle (retail model). Overall, WCR represents 68 days of revenue, i.e. 17 k€ to permanently finance.
16 920 €
30 j
109 j
0 j
68 j
Based on 54 transactions of similar company sales
in 2025,
the value of SPA FINANCIERE is estimated at
38 478 €
(range 15 498€ - 47 590€).
The price/revenue ratio is 0.63x
(in line with sector norms).
This multiples method compares the actual sale price of similar companies to their financial indicators (Revenue, EBITDA, Net Income). It provides a market-based indicative estimate.
Medium reliability: estimate to be confirmed with in-depth analysis.
Ajustez les pondérations selon votre analyse
This estimate is based on the analysis of 54 actual transactions of similar company sales (same NAF code) registered with BODACC between 2016 and 2025.
This estimate is provided for information purposes only. A precise valuation requires in-depth analysis (assets, liabilities, prospects, market...).
Compare SPA FINANCIERE with other companies in the same sector:
Voir toutes les statistiques du secteur Activités des sièges sociaux
The revenue of SPA FINANCIERE in 2025 is 90 k€.
Yes, SPA FINANCIERE generated a net profit of 4 k€ in 2025.
The headquarters of SPA FINANCIERE is located in MINZIER (74270), in the department Haute-Savoie.
The tax return of SPA FINANCIERE is available on this page. Click on a year in the 'Data by year' section to view the account details (assets, liabilities, income statement). Data comes from INPI (National Institute of Industrial Property).
SPA FINANCIERE operates in the sector Activités des sièges sociaux (NAF code 70.10Z). See the 'Sector positioning' section above to compare the company with its competitors.